Example of insurance costs for a company

Every company must pay various costs linked to insurance. Here is an example of a service company with three employees.

This example shows the annual costs which a service company with three employees can be expected to pay [wage bill: CHF 245,000 (CHF 115,000/CHF 75,000/CHF 55,000)]. A margin of around 20% should be calculated for property and civil liability insurance premiums.

Distribution of costs

 

Employer

Employee

Total expenditure

OASI/DI/APG *

13'182

12'924

26'106

Unemployment Insurance (AC)

2,695

2,695

5,390

Family compensation fund (child benefit)

2,940

 

2,940

Compulsory accident insurance

198

2'862

3'060

Supplementary accident insurance (AI)

676

 

676

Daily allowance insurance (collective)

1,225

1,225

2,450

Pension fund (OP)

12'091

12'091

24'182

Property insurance

350

 

350

Business interruption insurance

180

 

 

180

Civil liability insurance

300

 

300

Total for all insurance types

33'838

31'796

65'634

* The employer's OASI/DI/APG contributions include administrative costs amounting to CHF 258.50

Amounts are in CHF
Source: Weibel Hess & Partner AG (2020)


Last modification 15.10.2020

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